2315 W 4th St, Duluth, MN 55806 Property Records

St. Louis County property record for 2315 W 4th St, Duluth, MN 55806

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,158 sqft · built 1904
Lot Size	0.08 acres (3,500 sqft)
Owner	Company Name on File
Last Sale	$218,000 (May 2024)
Tax Bill	$1,456 (2026)
Deeds & Mortgages	Aug 2023 Sale & Mortgage Nov 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`010-1180-03700`

Property Details

APN / Parcel Number

Primary APN	`010-1180-03700`
Alternative APNs	`1089217` `1165803` `961822`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	2 Rooms
Stories	2 Stories
Building Area	1,158 sqft Gross Area
1st Floor Area	598 sqft

Exterior

Year Built	Built 1904
Effective Year Built	Effective 1904
Architectural Style	Bungalow
Exterior Material	Other
Construction Type	Frame
Roof Type	Gable
Lot Area	3,500 sqft (0.08 acres)

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Slab
Porch Area	260 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Account Number	1165803
Street Address	2315 W 4TH ST
City	DULUTH
State	MN
Zip	55806-1503
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	W 1/2 SERIAL #
Legal Subdivision	DULUTH PROPER SECOND DIV
Legal Block	122
Legal Lot Number	375
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	3
Census Block	3009
Census Tract	15600

Owner

2315 W 4th St is owned by a company that bought it in May 2024 and is owner-occupied.

Source: St. Louis County records, as of August 17, 2026

Owner of Record	Company Name on File
Mailing Address	2315 W 4TH ST, DULUTH, MN 55806-1503
Occupancy	Owner Occupied
Owner Type	Company

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Aug 8, 2023	Warranty Deed, Transfer · Commercial Mortgage NORTH SHORE BANK OF COMMERCE
Nov 19, 2020	Warranty Deed, Transfer · Conventional Mortgage MEMBERS COOPERATIVE CU
Jun 18, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 9, 2024 · Amount on File
Deed Sale	May 9, 2024 · Amount on File
Prior Sale	Aug 8, 2023 · Amount on File
Deed Document Number	20241646835
Prior Transfer Date	Apr 23, 2020
Prior Transfer Doc	00A1382843
Record Updated	Sep 20, 2026

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Aug 8, 2023
Property Address	2315 W 4TH ST, DULUTH, MN 55806-1503
Document Number	0001471540
Instrument Date	Jul 31, 2023
Instrument	1471540
Transaction Type	Transfer
Record Updated	Sep 1, 2023
Title Company	ARROWHEAD TITLE COMPANY, ARROWHEAD ABSTRACT AND TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$709.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 E 4TH ST, DULUTH, MN 55805-3895
Investor	Possibly a Property Investor

Mortgage

Document Number	0001471541
Date	Aug 8, 2023
Instrument	1471541

Lender

Name	NORTH SHORE BANK OF COMMERCE
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	9 Months
Due	Apr 30, 2024

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Nov 19, 2020
Property Address	2315 W 4TH ST, DULUTH, MN 55806-1503
Document Number	00A1396468
Instrument Date	Nov 12, 2020
Instrument	A1396468
Transaction Type	Transfer
Record Updated	Dec 10, 2020
Title Company	ARROWHEAD TITLE COMPANY, ARROWHEAD ABSTRACT & TITLE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$241.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	124 W 7TH ST DULUTH MN 558062510, DULUTH, MN 55806-2510

Mortgage

Document Number	A1396469
Date	Nov 19, 2020
Instrument	A1396469

Lender

Name	MEMBERS COOPERATIVE CU
Type	Credit Union
Address	DULUTH, MN 55816

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 18, 2050

June 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jun 18, 2020
Property Address	2315 W 4TH ST, DULUTH, MN 55806-1503
Document Number	00A1382843
Instrument Date	Apr 23, 2020
Instrument	A1382843
Transaction Type	Transfer
Record Updated	Aug 6, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2315 W 4TH ST DULUTH MN 558061503, DULUTH, MN 55806-1503

Tax Assessment & Valuation

The 2026 property tax bill for 2315 W 4th St was $1,456 with a homeowner's exemption, up 13.6% from the year before.

Source: St. Louis County assessment roll, as of August 17, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	St. Louis County
Municipality	Duluth City
Unified School District	Duluth Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,456.00 (+13.57%) Homeowner's exemption
2025	$1,282.00 (-19.57%) Homeowner's exemption	$179,700 (+15.86%) Land $13,200 Building $166,500	$179,700 (+15.86%) Land $13,200 Building $166,500
2024	$1,594.00 (+79.1%)	$155,100 Land $15,900 Building $139,200	$155,100 Land $15,900 Building $139,200
2023	$890.00
2022		$57,900 (+31.89%) Land $14,000 Building $43,900	$57,900 (+31.89%) Land $14,000 Building $43,900
2021		$43,900 Land $5,200 Building $38,700	$43,900 Land $5,200 Building $38,700

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 2315 W 4th St in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1979.

Source: FEMA National Flood Hazard Layer, effective March 24, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	3 (1979–1982)
Most Recent Claim	May 1982 · rainfall accumulation

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

The area around 2315 W 4th St has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	Duluth serves 86,859 people · EPA ID MN1690011
Water Source	Surface water
Last State Inspection	Feb 2025
Lead	8 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Turbidity resolved · Oct 2017
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 451 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
AT&T Fixed Wireless	100 / 20

May also be available: Airfiber, CTC.

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